Why choose nib Insurance?

Peace of mind and cover are two of the most
important things private health cover can provide.
But that's just the beginning of what it means to
those families enjoying private cover.

Designed for you

Need hospital cover to protect you from big bumps
in life? You got it. Want your health to get the care
you always meant to give it? It's easy with Everyday
cover. Combine both to give your health the blueribbon
treatment. It's your call.

An Everyday edge

Give your “new you” an edge over your old self with
Everyday cover that puts a percentage of the cost of
a massive range of health-boosting benefits back
into your pocket (up to your policy limit). Want to
see what nib gives you? Find out more about
Everyday cover.

Express treatment

When your health needs help, we spring into action.
Private health cover means you'll be seen to pronto.

Our network, your choice

With the nib First Choice network, you're covered for
100% of your eligible costs, plus your claims may
even be sent in by your provider (some conditions
apply).

Cover you control

Managing your policy is something you should be
able to do whenever you want. And you can. Log in
online to get pre-approval on upcoming medical
expenses, track claims, or view your policy details to
clear up questions you have.

How much will it cost
without health insurance?

Accessing treatment through private health
insurance gives you control over when and where
you're treated, the surgeon who treats you, and
helps you pay towards the cost of your treatment –
which otherwise might be unaffordable or
significantly impact the lifestyle you're used to.

Why health insurance?

Many people don't think about taking up a health
plan until they're unwell. Unfortunately, that might
mean they pay more or are covered for less...

We often forget about it, but health is your constant
companion and best friend through life. With health
on your side, you're able to go on incredible
adventures, achieve wonderful things and live a life
worth writing about.

But when your best friend suffers, you're no longer
able to do the things you want. And while public
health might provide basic help, the stress, waiting,
uncertainty and lack of control may make the road to
recovery long, hard and draining.

That's not what life is about.

When you have private cover, your health gets the
help it needs as soon as it needs. In good times, cover
can help keep your health in tip-top shape. In bad, it
gets you back on your feet as quickly, and stress-free
as possible.

What are the benefits?

Premium Hospital benefits

Cancer

Cover for and relating to the treatment of cancer,
including chemotherapy and radiation therapy

Specialist consultations

Get in front of a specialist you choose, even if you
are not admitted to hospital

Surgery

You're covered for having surgery in a private hospital

Diagnostics

Access to a range of scans and other diagnostic
investigations, even if you are not admitted to hospital

Obstetrics

Cover for the cost of treatment by an obstetrician

Premium Everyday benefits

Dental

Claim 80% back on routine check-ups, root canals &
more

GP visits & prescriptions

Covers 80% of the cost of GP consultations and
prescriptions

Glasses & contacts

Claim 80% back on the cost of your prescription
glasses, contacts and eye exams

Physio/ Chiro/ Osteo

Claim 80% back on the cost of treatment from a
physiotherapist, osteopath or chiropractor

I rang nib… and I just said, "I'd like to say thank you"

What could a partner in health do for your life?

When you partner with nib, you're partnering with people who want your health today and tomorrow to be the best and
brightest it can be.

Five questions. Done.

Don't want to visit an office just to sign up? You don't have to! You can get a quote by answering just five questions by
jumping onto the nib website. Plus, we won't ask you any medical questions.

If you thought joining was simple, you'll find claiming with nib even easier. You can make one in minutes via our
mobile app or online.

Super service

When you're with nib, you're supported every step of the way.

Your first choice

With a network of New Zealand's medical professionals to choose from, you'll get top quality healthcare and be covered
for up to 100% of your eligible costs (up to your benefit limit, with some conditions applying).

"If there's one word to describe what nib's given us… it'd have to be freedom."

Making claims easy

The last thing you want to do when bouncing back is having to stress about your claim. So, we built
an app that took the worry and time out of that. In minutes, you can make your claim and get on
with life.

"Just take a picture of the receipt, say submit... that's it"

Want to talk with someone?

We will call you back within one working day (Monday - Friday 8:00am to 5:30pm)

Important things to know

nib claim statistics as at June 2018. This is an illustration of treatments and costs you could expect to pay if treated in
private hospital. This is not representative of conditions covered on your policy or the amount that would be paid by nib nz
limited in the event of a claim.

nib claim statistics as at June 2018. Representation of treatments and costs you could expect to pay if treated in private
hospital. This is not representative of conditions covered on your policy or the amount that would be paid by nib nz limited
in the event of a claim.

This overview is not a policy document. It is an outline of the main features and bene"ts of the nib hospital and everyday
covers. A full explanation of the bene"ts and exclusions are contained in the policy documents. The policy documents are
available from our documents page.

Two months free offer Terms & Conditions

This offer applies to new customers of nib (someone who is not an existing nib customer as at 10 June 2019), 18 years old and over who purchases any Hospital and/or Everyday cover, between 10 June 2019 and 31 July 2019 via the nib telesales team. This offer is not available for policies purchased online.

Notwithstanding this period of general availability of the offer to the general public, nib may (in its absolute discretion) provide this offer to any customers who purchase policies after 31 July 2019.

Eligible customers must pay for the first month and will then receive the second and third months premiums free as long as the policy remains in force. If a weekly or fortnightly payment option is selected, weeks five to twelve (inclusive) will be free after an eligible customer has paid for weeks one to four (inclusive).

At the end of the two months of free cover, premiums will again be payable and you will continue to be charged on the payment cycle you have chosen (Weekly/fortnightly/monthly/quarterly/annually).

The two months free will be applied as a credit on your policy. The credit is not transferable, refundable or redeemable for cash.

This offer can’t be used in conjunction with any other offers.

These terms may be updated or modified by us (provided this doesn't prejudice anyone who has already received the offer), and were last updated on 10 June 2019. Any material change will be notified on nib.co.nz.